Home Improvement Program (HIP)

Home Improvement Program (HIP)HIP home improvement
Keeping your home safe, efficient, and comfortable

The Housing Fund provides loans of up to $35,000 to help homeowners repair and improve their homes to protect the value of the home and enhance its’ safety, usefulness and health.

Counties Nashville-Davidson Montgomery Maury Cheatham, Dickson, Robertson, Rutherford, Sumner, Wilson
Minimum/Maximum Amount $5,000/$35,000   
Interest Rate 5%

Only Tier 1 is available at this time 

Term of Loan <$10,000–120 months
>$10,000–180 months
Monthly payment will not be less than $50   
Income Guidelines Click Here  Click Here Click Here  Click Here

Other things to Know:

• Home must be the borrower/owner’s primary residence
• The borrower must be a current or previous THF borrower in good standing
• The Housing Fund uses credit standards and underwriting guidelines to make a loan determination
• Two estimates from TN licensed contractors are required
• There is a $150 processing fee


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